Get instantly approved. No credit check.
We’ll open your credit line. You can begin using it immediately.
All it takes is one click. We’ll send you reminders so you know exactly when.
Sit back and watch your credit grow.
Whether you don’t have credit yet or are trying to build it even more, personal finance can be confusing. We’re here to help you stay in control.
We know the ins and outs of credit building, having worked at major financial technology companies. And we care deeply about improving financial access for everyone. Meet the team.
The Kikoff Credit Account gives you a $500 revolving line of credit. This type of credit doesn't have a fixed number of payments, so you get even more capacity and flexibility in building your credit.
With the Credit Account, you can make purchases from the new Kikoff Store! Think of it like a credit card, but there are no interest, no fees, AND we help you spend responsibly.
We’re always working on new credit-building features to improve your experience. Stay tuned for increased credit limits and even more purchase options. Just remember, the better you are paying back what you borrow, the better it looks on your credit score.
Kikoff is NOT a pull on your credit.
Kikoff believes in helping you build credit easily so that you can reach those larger financial goals, like buying a car or a house.
We don’t check your score, we just help you build it.
It's an old product! We're no longer taking new sign ups for the $12 loan. But if you've got it, it still works. We're continuing to report your payments on the $12 loan.
We like to think of the Kikoff Credit Account as the new-and-improved version of the $12 loan. It's designed to give you unlimited payment history and low credit utilization, helping you grow your credit even more.
Read our popular blog posts for credit hacks.